Square vs Bluevine
Square is a good credit card processor for low-volume businesses. How does it compare to Bluevine? Read our comparison chart below.
Square has a low swipe fee of 2.6% + $0.15 per transaction. It has no monthly fees, no contract, and no chargeback fees. Square offers a free swipe reader, feature-rich POS app, free virtual terminal, and free online store.
While Bluevine offers one of the highest APYs on the market for its Business Checking account. You also get 5 free subaccounts, unlimited transactions, 2 free checkbooks a year, and additional users at no extra cost. There's no monthly fee.
Compare Square with Bluevine, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
 |  | |
| Visit Site | Visit Site | |
Square | Bluevine | |
|---|---|---|
Square Reader: Free Mobile Credit Card Reader - | Free Business Checking - Earn $500 Bonus - | |
Benefits and Features | ||
| Savings | No savings account, but you add 5 free sub accounts | |
| Checking | 3.5% APY for Premier customers, 2.4% APY for Plus customers, 1.3% APY for Bluevine Standard tier customers. No monthly fees, no balance requirements, and no overdraft fees for Bluevine Standard | |
| Monthly Fee | Standard tier: $0 per month Plus Tier: $30 per month (can be waived with $20k average daily balance and $2k debit card spend) Premier tier: $95 per month (can be waived with $100k average daily balance and $5k debit card spend) | |
| Equipment | Card reader: $0 to $59; Stand, Terminal, and Register available for purchase | |
| Cash Deposit Fee | $4.95 per deposit at Green Dot locations or $1 + 0.5% of the deposit amount at Allpoint+ ATMs | |
| Customer Service | Phone, Email, Live Chat Support, Seller Community | Phone and email: Monday - Friday. 8 am to 8 pm EST |
| Fraud Prevention Tools |  | |
| Invoice Management | | |
| Recurring Billing | | |
CreditDonkey® Reviews | ||
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| Price |   | |
| Equipment | | |
| Contract | | |
| Customer Service | |  |
| Ecommerce | | |
| High Volume Business | | |
| Low Volume Business | | |
| Checking | | |
| Fees | | |
| Mobile App | | |
| Pros & Cons | Pros:
| Pros:
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| Bottom Line | Good credit card processor for low-volume businesses... | Free account with interest for basic business checking needs... |
| Visit Site | Visit Site | |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. | ||
Square Reader: Free Mobile Credit Card Reader
- Pay 2.6% + 15¢ Per Swipe for Visa, Mastercard, Discover, and American Express
- Accept Credit Cards Anywhere
- Fast Setup, No Commitments
Square Contactless and Chip Card Reader
- Pay 2.6% + 15¢ per tap or dip for Visa, Mastercard, Discover, and American Express
- Accept Chip Cards and Contactless Payments Anywhere
Square Terminal
- 2.6% + 15¢ per tap, dip, or swipe
- Fully integrated POS system with built-in receipt printer
- 5.5" display
Free Business Checking - Earn $500 Bonus
To earn the $500 bonus, customers must apply for a Bluevine Business Checking account anytime between now and 01/31/2026 using the referral code CD500.
After opening your account, deposit a total of $5,000 within the first 30 days. After 30 days, maintain a minimum daily balance of $5,000 while also completing at least one of the following eligibility requirements every 30 days for 90 days:
- Deposit at least $5,000 from eligible merchant services to your Bluevine account OR
- Make at least $5,000 of outbound payroll payments from your Bluevine account using eligible payroll providers OR
- Spend at least $2,000 on eligible transactions with your Bluevine Business Debit Mastercard® and/or Bluevine Business Cashback Mastercard®
Banking services provided by Coastal Community Bank, Member FDIC
Free Business Checking - Up to 1.3% APY
- 1.3% APY on your balance up to $250,000 for customers that meet monthly eligibility requirements
- $0 minimum opening deposit
- $0 monthly service fee
Free Business Checking - Up to 1.3% APY
- 1.3% APY on balances up to $250,000 for eligible customers
- Unlimited transactions
- Free unlimited invoicing and payment links
- 5 free subaccounts with unique account numbers
- 1 free checkbook for the life of the account
- $0 monthly service fee
Which is Better: Square or Bluevine?
Still need help deciding which business is better? Read the in-depth reviews below. You may also be interested in comparing Square or Stripe.
Articles on Square
Square Alternatives
Square
Best Square POS Alternatives
Square vs Stripe vs Paypal
Square vs Clover
Square vs Merchant Account
How Much Does Square Charge
Square Rates
Square vs PayPal
Articles on Bluevine
Bluevine Business Checking Review
Is Bluevine Safe
Bluevine Alternatives
Which Do You Think is Best?
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